Marcie to answer your question we are in a cancellation period now of 15% on the land which is about $200 so that would negate the savings by moving to the friends and family deal at the hotel that Peter is suggesting.

This is where we are now within 120 days before sailing

120-90 days before departure 15% of the land and cruise price
89-60 days before departure 35% of the land and cruise price
59-30 days before departure 50% of the land and cruise price
29-07 days before departure 80% of the land and cruise price
6 days before departure 100% of the land and cruise price